Head to head · 2026
Spaarrekening vs Flexibel Sparen (via Raisin)
How these two savings accounts stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
Flexibel Sparen (via Raisin) is the stronger pick for most expats.
- Interest rate: 2.85% for 3 mo, then 2.10% vs 1.85%
Ayvens Bank
Spaarrekening
Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.
Bigbank
Our pickFlexibel Sparen (via Raisin)
Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
Spaarrekening
What we like
- Dutch bank with DNB supervision
- Full €100k deposit guarantee
- No account fees
- Straightforward savings
What to consider
- Rate not the highest (1.85%)
- Basic online interface
- Less known brand (rebranded)
- No mobile app highlights
Flexibel Sparen (via Raisin)
What we like
- 2.10% standard rate (no promo gimmicks)
- Flexible withdrawals
- EU deposit guarantee (Estonia)
- Access via Raisin platform
What to consider
- Need Raisin account to access
- Estonian bank (foreign)
- Separate platform to manage
- Rate can change
Frequently asked
Is Spaarrekening or Flexibel Sparen (via Raisin) better for expats in the Netherlands?
Flexibel Sparen (via Raisin) comes out ahead for most expats. Interest rate: 2.85% for 3 mo, then 2.10% vs 1.85%
Which has the higher interest rate, Spaarrekening or Flexibel Sparen (via Raisin)?
Flexibel Sparen (via Raisin) pays more — 2.85% for 3 mo, then 2.10% versus 1.85%.
Are Spaarrekening and Flexibel Sparen (via Raisin) covered by the Dutch deposit guarantee?
Spaarrekening is covered (deposits protected up to €100,000). Flexibel Sparen (via Raisin) is covered up to €100,000.